When you have to live with your decision for a while, it makes a big, sometimes painful, impression.

Such has been the case for many who purchased real estate in Brevard County during the past four or five years. As home owners watched the value of their homes decrease, most have continue to pay their mortgages.

Some even continued to pay even as their financial circumstances changed due to job loss, under-employment, medical expenses, and other hardship. Some have let other debts go unpaid in an effort to maintain the roof over their heads.

But, some have reached the point to where they decided the stress is not worth it. They are ready to walk away and give the house back. But a better response is to consider a short sale.